As explained in the announcement, the value of the BIK of the demand index for housing loans means that in June 2025, in terms of working day, Banks and SKOKs sent to BIK inquiries for housing loans for a higher amount by 47.1 percent. Compared to June 2024.
In June, a total of 37.47 thousand requested a housing loan. people compared to 27.44 thousand last year. This means an increase of 36.6 percent. year on year. In a monthly basis, however, a 3 % decrease was recorded. “The average value of the requested housing loan in June 2025 amounted to 477.01 thousand PLN and was 7.7 percent higher than in June 2024. Compared to May this year. It was 2.0 percent higher, “said BIK.
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The main analyst of the BIK group dr hab. Waldemar Rogowski noted that despite the high interest rates (currently the reference rate of the National Bank of Poland is 5 percent), “many people are still applying for a housing loan”. “Demand for a housing loan grows as a result of the first reduction of interest rates and waiting for the next. The decrease in interest rates, and with it the growing availability of a housing loan became a turning point mobilizing borrowers for greater activity on the market, “said Rogowski.
He noted that The average amount of the requested housing loan is the highest in history. According to the analyst, “in the following months the average of the requested loan amount will be broken”. This is of course the aftermath of rising prices of apartments.
BIK Index demand for housing loans is an indicator that measures interest in housing loans in Poland. This index shows how the value of applications for housing loans submitted by individual clients changes compared to the same period last year.
